At typical spending, the Capital One Venture comes out ahead by about $176 a year ($1,709 vs $1,533). The Chase Sapphire Preferred earns more on dining, groceries, flights & hotels, gas & transit and streaming. The Capital One Venture earns more on rent, online shopping and everything else. Which one wins for you depends on where your money actually goes.
| Chase Sapphire Preferred | Capital One Venture | |
|---|---|---|
| Est. value/yr at typical spending | $1,533 | $1,709 |
| Annual fee | $95 | $95 |
| Yearly credits | $100 | $0 |
| Fee after credits | −$5 | $95 |
| Dining | 3x | 2x |
| Groceries | 3x | 2x |
| Flights & hotels | 5x | 3.2x |
| Rent | 1x | 2x |
| Gas & transit | 3x | 2x |
| Streaming | 3x | 2x |
| Online shopping | 1x | 2x |
| Everything else | 1x | 2x |
| Transfer partners | 13 | 13 |
| Lounge access | No | No |
Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
They share 5 partners. Only the Chase Sapphire Preferred: United MileagePlus, Southwest Rapid Rewards, Iberia Plus, Aer Lingus AerClub, Virgin Atlantic Flying Club, World of Hyatt, Marriott Bonvoy, IHG One Rewards. Only the Capital One Venture: Turkish Miles&Smiles, Avianca LifeMiles, Cathay Pacific AsiaMiles, EVA Air, Etihad Guest, Finnair Plus, TAP Air Portugal, Qantas Frequent Flyer.